4.86% Equity Release for New-build or recently renovated properties 2026

new-build

Release cash from your home
New build properties accepted
Heavily refurbished homes or houses converted to flats
Variable rates as low as 1.79% APR
Fixed rates at 2.3%
No monthly repayments unless you want to pay the interest
Use the money you release for anything you like
Stay living in your own home

Your Requirements
How Much Would You Like Borrow/Release?*
Please enter a number from 4000 to 200000000.
Value of your property*
Please enter a number from 50000 to 10000000.
Total amount of mortgage/loans you have on your property*
Type of Finance*
- Equity Release
- Lifetime Mortgage
- Retirement Interest Only Mortgage
- Retirement Mortgage
- I'm Not Sure

Your Requirements
My Property or Home:*
How Much Money Would You To Like Raise?*
Please enter a number from 4000 to 20000000.
Type of Finance*
- Equity Release
- Lifetime Mortgage
- Retirement Interest Only Mortgage
- Retirement Mortgage
- Not Sure
I would like to*
- Refinance my existing property and stay
- Get new finance for a new property
Estimated Value Of Your Property?*
Total amount of mortgage/loans you have on your property*
About You
Please tell us about your self and what you want
Name*
First Last
Phone*
Date of Birth*
DD dash MM dash YYYY
Your Email Address:*
First Line Of Your Address:*
Your Postcode:*
Please Agree To Our T&C and Privacy*
- I Agree
By clicking Submit and ticking the box above you agree to be contacted by an FCA authorised advisor that you have read and agreed to our Terms & Conditions and our Privacy Policy.

UK Equity Release Scheme Lenders

Aviva
Pure Retirement
Key Solutions

Its common to encounter people seeking out home reversion plans, monthly payment lifetime mortgage or monthly payment equity release, however, Sunlife Plans like Old Mutual Wealth are keen to see evidence of your personal situation in the form of investment statements.

Small business owners detail likely with equity to release from their homes

- Growing of other perennial crops Northwich
- Sale of new cars and light motor vehicles Hayes
- Manufacture of other inorganic basic chemicals South Kirkby and Moorthorpe
- Retail sale of carpets, rugs, wall and floor coverings in specialised stores Burntwood
- Extraction of natural gas Nelson
- Other residential care activities n e c Modbury
- Manufacture of men’s underwear Bletchley and Fenny Stratford
- Raising of sheep and goats Hednesford

Other passenger land transport Havant
Wholesale of agricultural machinery, equipment and supplies Cirencester
Other cleaning services Boston
Other specialist photography Bromsgrove
Construction of utility projects for fluids Hawkinge
Cutting, shaping and finishing of stone Weston-super-Mare
Retail sale in non-specialised stores with food, beverages or tobacco predominating Market Weighton
Defence activities Ongar
Water collection, treatment and supply Filey
Real estate agencies Knutsford

Towns of the UK where Lifetime Mortgages are common

Cockermouth
Sevenoaks
Bingham
Keynsham
Berkhamsted
Grassington
Brentwood
Skelton-in-Cleveland
Leek
Todmorden
Launceston
Birchwood
Cleator Moor
Lynton & Lynmouth
Marlow
Market Weighton
Cirencester
Alston
Bishops Waltham

The 1st and 2nd charge lender will want to know if the property is a Detached freehold house or a Leasehold flat with share of freehold and if the resident is an AST Tenant.

Equity Release percentages of your current property value

55% home reversion schemes LV Liverpool Victoria
60% loan to value monthly payment lifetime mortgage Lifetime Mortgage from L&G
55% loan to value monthly payment life time mortgage Lifetime Mortgage from L&G
25% LTV monthly payment equity release Equifinance
60% loan to value home reversion plans Equifinance
30% loan to value (LTV) monthly payment lifetime mortgage Santander

Equity Release LTV

The older you are and the more serious your illnesses you are the more money you can release.

Bridgewater Equity Release Schemes
Stonehaven Interest Only Lifetime Mortgage
Nationwide Equity Release Plans
Bridgewater Equity Release Plans
Liverpool Victoria LV Equity Release Plans
Nationwide Equity Release
HSBC Equity Release Schemes
TSB Lifetime Interest Only Mortgage
Royal Bank of Scotland Equity Release Plans
More2Life Flexi Choice Voluntary Payment Super Lite
Bridgewater Lifetime Mortgage
Hodge Lifetime Mortgage Plus
Pure Retirement Classic Voluntary Payment Super Lite
TSB Equity Release Plans
NatWest Equity Release Plans
Age Partnership Equity Release
Just Retirement Interest Only Lifetime Mortgage
Pure Retirement Equity Release Plans
Stonehaven Equity Release Plan
Lloyds Bank Equity Release
NatWest Interest Only Lifetime Mortgage
Saga Lifetime Mortgage
Age Partnership Interest Only Lifetime Mortgage

Drawbacks of Lifetime Mortgages

Interest-only lifetime mortgages can reduce your estate value. Monthly payment lifetime mortgage may impact ability to claim entitlements. You may need to pay a broker’s fee and you could be exposed to changes in interest rates with some products.